End User

End Users are your customers who should be created on Fiat Republic before you can start receiving or sending payments for them. We require a minimum set of details on your customers to fulfil our regulatory obligations and perform AML checks.

Some of the fields below are not mandatory but highly recommend that you provide them to us to ensure smooth operations and minimal disruptions to your user's payments.

e.g. linkedCryptoWallets to aid in crypto transaction monitoring.

Field	Description
`ipAddress`	IP address from where the user signed up on your platform.
`linkedCryptoWallets.coin`	Symbol of the coin or token. e.g. `BTC` or `ETH`
`linkedCryptoWallets.walletAddress`	Blockchain wallet address of the coin or token
`linkedCryptoWallets.relationship`	One or more relationships between the End User and the walletId. `OWN` - The End User's own wallet. `SENDER` - The End User has sent value to the wallet `RECEIVER` - The End User has received value from this wallet.
`nationality`	One or more nationalities can be provided
`tags`	Provide `PEP` if the End User is a known `PEP` (Politically Exposed Person)
`riskRating`	Rating of the risk level assigned to the user `LOW`, `MEDIUM`, `HIGH`
`signupAt`	A date of registration of End User profile within Member platform `timestamp`

When you create Business End user all mandatory fields have to be provided as per below:

Field	Description
`companyName`	Official name of the company
`trading name`	Required even if the same as company name
`type`	Legal type of the company - LLC, LTD etc
`registrationNumber`	Company registration number from the official registry
`registrationDate`	Date when the company has been registered
`registeredAddress`	Address under which company has been registered in accordance with what is in the official documentation
`tradingAddress`	Required even if the same as the registered address
`businessPersons`	Both DIRECTORS and UBO have to be provided. It can be the same person with 2 types provided at the same time. However once providing the information about the UBO, shareholder % has to be provided, e.g. 60% (just a numeric value has to be provided). Do not create the same person twice with the different type, e.g. when you create John Doe as a UBO and DIRECTOR he has to be added as one business person with 2 types provided. Also address and the email, along with the date of birth of the business persons are required.
`ipAddress`	IP address from where the user signed up on your platform
`sector`	Sector is required to understand the nature of the business of the business end user and make sure they are in line with the Fiat Republic risk appetite

After creating an Individual or Business End User, you will be able to create one or more Virtual Accounts for them.

The activation of a new End User (both Business and Individual End Users) is fully asynchronous. This means that after a POST request the returned entity will have CREATED status. Activation flow is based on our Compliance review process.

This may affect Virtual Account creation flow, since it's required that the End User for a new Virtual Account is ACTIVE. If it will not be implemented, the Virtual Account creation for End User can fail.

📘 NOTE: please ensure you use webhooks for implementation of the new flow.

End Users Statuses

End User Status	Description
`CREATED`	End User has been created on Fiat Republic.
`IN_REVIEW`	End User is going though Compliance review.
`ACTIVE`	End User is active and is ready to have assigned Virtual Account
`REJECTED`	End User cannot be created due to the Compliance reasons
`SUSPENDED`	Status which can be used to temporarily suspend End User.
`CLOSED`	End User is closed permanently and cannot be used anymore. This status is terminal.

As part of enabling USD for our Members, some integration changes will be necessary.

Additional required fields for End Users to create USD account

Individual End Users:

User's phone number
User’s nationality
Type of identity document (e.g., Work Permit, Passport)
Document number

Create Individual End User & Object explained

Business End Users:

UBO's phone number
UBO's nationality
UBO's type of identity document (e.g., Work Permit, Passport)
UBO's document number

Create Business End User & Object explained